PackageTrendsPeer
Letter portraitLegal landscape

St. Clare's Hospital Employees

Schenectady, NY · Charter 23666

Q4 2007

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2007, the quarter ended December 31, 2007, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

St. Clare's Hospital Employees

Schenectady, NY · Charter 23666

Q4 2007

$4.7MAssets
$2.1MLoans
$3.9MShares
$634KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.54%, down 46 bps year over year; NIM at 3.81%.
  • Asset quality: problem loans at 3.01% of loans (+109 bps YoY).
  • Capital: net worth / assets of 13.61%, up 132 bps from a year ago.
  • Funding: loans stand at 52.21% of shares as of Q4 2007.

Financial Results

Return on Assets (YTD, annualized)

0.54%-46 bps YoY

Net Interest Margin (YTD, annualized)

3.81%+8 bps YoY

Efficiency Ratio (YTD, annualized)

86.79%+896 bps YoY

Net Worth / Assets

13.61%+132 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2006Q1 2007Q2 2007Q3 2007Q4 2007YoY ΔTrend
Earnings
Return on Assets1.00%0.18%0.35%0.53%0.54%-46 bps
Return on Equity8.14%1.51%2.91%4.40%3.96%-419 bps
Net Interest Margin3.73%3.40%3.47%3.45%3.81%+8 bps
Efficiency Ratio77.83%92.89%87.97%85.63%86.79%+896 bps
Growth
Asset Growth (YoY)0.99%0.17%0.09%1.67%-6.00%-699 bps
Loan Growth (YoY)12.09%1.41%-0.57%0.09%-3.80%-1,589 bps
Share Growth (YoY)0.15%0.09%0.38%0.88%-8.30%-845 bps
Asset Quality
Delinquent Loans / Loans1.92%2.45%2.53%2.19%3.01%+109 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.74%0.76%0.82%0.82%0.76%+2 bps
Capital
Risk-Based Capital12.29%11.90%12.05%11.94%13.61%+132 bps
Net Worth / Assets12.29%11.90%12.05%11.94%13.61%+132 bps
Liquidity & Funding
Loans / Shares49.77%45.01%47.22%48.17%52.21%+245 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps